Geneva Financial Mortgage Rates, Fees & Info
ORO VALLEY, AZLEI: 5493001XKL0FTNOJ0866
Tax ID: 26-1589507
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Mortgage Data
Review & Overview
Geneva Financial is a smaller mortgage company specializing in Home Purchase loans. Geneva Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Miami, Portland, Seattle, and Dallas among others. We have data for 273 markets. (Some data included below & more in-depth data is available with an active subscription.)Geneva Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Geneva Financial is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.74% | 4/18/24 |
| 30 Year Conventional Purchase | 6.78% | 4/18/24 |
| 30 Year Conventional Refi | 6.85% | 4/18/24 |
| 30 Year Cash-out Refi | 7.09% | 4/18/24 |
| 30 Year FHA Purchase | 7.74% | 4/18/24 |
| 30 Year FHA Refi | 7.55% | 4/18/24 |
| 30 Year VA Purchase | 6.60% | 4/18/24 |
| 30 Year VA Refi | 6.10% | 4/18/24 |
| 30 Year USDA Purchase | 7.08% | 4/18/24 |
| 30 Year USDA Refi | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 6.38% | 4/18/24 |
| 15 Year Conventional Refi | 6.38% | 4/18/24 |
| 15 Year Cash-out Refi | 6.38% | 4/18/24 |
| 15 Year FHA Refi | 7.19% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Geneva Financial Mortgage Calculator
Your Estimates
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This is not an official calculator from Geneva Financial. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,355Origination Dollar Volume (All Markets)
$982,555,000Awards
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GENEVA FINANCIAL - 2019
GENEVA FINANCIAL is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 672 | $165,610,000 | $246,443 | $6,275 | 4.40% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 304 | $74,850,000 | $246,217 | $8,117 | 4.47% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 190 | $63,030,000 | $331,737 | $6,880 | 4.28% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 132 | $48,060,000 | $364,091 | $7,306 | 4.42% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 133 | $31,515,000 | $236,955 | $7,055 | 4.60% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 130 | $25,450,000 | $195,769 | $6,792 | 4.81% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 134 | $25,280,000 | $188,657 | $6,855 | 4.43% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 107 | $22,575,000 | $210,981 | $6,872 | 4.43% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 43 | $20,635,000 | $479,884 | $8,425 | 4.36% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 87 | $17,145,000 | $197,069 | $6,370 | 4.67% |
| TUCSON, AZ (FHA|USDA|VA) | 88 | $16,990,000 | $193,068 | $5,890 | 4.47% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 84 | $14,510,000 | $172,738 | $5,044 | 4.28% |
| BOISE CITY, ID (FHA|USDA|VA) | 60 | $14,450,000 | $240,833 | $7,190 | 4.17% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 73 | $13,955,000 | $191,164 | $6,517 | 4.76% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 52 | $13,830,000 | $265,962 | $7,272 | 4.45% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 72 | $13,160,000 | $182,778 | $5,827 | 4.48% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 63 | $13,125,000 | $208,333 | $6,794 | 4.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 37 | $12,325,000 | $333,108 | $9,500 | 3.95% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $11,585,000 | $313,108 | $5,732 | 4.58% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 24 | $11,540,000 | $480,833 | $7,910 | 4.55% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 39 | $10,065,000 | $258,077 | $6,918 | 4.61% |
| RICHMOND, VA (FHA|USDA|VA) | 45 | $9,775,000 | $217,222 | $5,383 | 4.61% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 63 | $9,765,000 | $155,000 | $5,492 | 4.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 44 | $9,570,000 | $217,500 | $6,108 | 4.78% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 64 | $9,450,000 | $147,656 | $5,248 | 4.65% |
| Outside of Metro Areas | 54 | $9,420,000 | $174,444 | $5,624 | 4.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 52 | $9,090,000 | $174,808 | $6,758 | 4.56% |
| Hobbs, NM (FHA|USDA|VA) | 40 | $8,990,000 | $224,750 | $8,469 | 4.23% |
| Madison, IN (FHA|USDA|VA) | 74 | $8,760,000 | $118,378 | $4,679 | 4.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $8,740,000 | $230,000 | $6,903 | 4.79% |
| BEND, OR (FHA|USDA|VA) | 27 | $8,545,000 | $316,481 | $6,092 | 4.14% |
| YUMA, AZ (FHA|USDA|VA) | 50 | $8,380,000 | $167,600 | $5,937 | 4.15% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 27 | $8,355,000 | $309,444 | $7,794 | 4.14% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 28 | $7,570,000 | $270,357 | $9,803 | 4.92% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 39 | $6,905,000 | $177,051 | $3,950 | 4.49% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 32 | $6,900,000 | $215,625 | $5,745 | 4.49% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $6,315,000 | $421,000 | $9,081 | 4.28% |
| LAREDO, TX (FHA|USDA|VA) | 32 | $6,270,000 | $195,938 | $5,464 | 4.20% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 43 | $5,825,000 | $135,465 | $6,729 | 5.04% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 17 | $5,465,000 | $321,471 | $7,251 | 4.11% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 34 | $5,410,000 | $159,118 | $5,740 | 4.75% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 18 | $5,330,000 | $296,111 | $9,655 | 4.03% |
| COLUMBUS, OH (FHA|USDA|VA) | 30 | $5,270,000 | $175,667 | $6,291 | 4.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $5,090,000 | $318,125 | $4,869 | 4.24% |
| Payson, AZ (FHA|USDA|VA) | 38 | $4,980,000 | $131,053 | $5,232 | 4.45% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 10 | $4,670,000 | $467,000 | $9,514 | 4.24% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 22 | $4,480,000 | $203,636 | $4,743 | 4.19% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 31 | $4,145,000 | $133,710 | $5,050 | 4.61% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 28 | $3,730,000 | $133,214 | $5,470 | 4.93% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 44 | $3,670,000 | $83,409 | $5,349 | 5.37% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 22 | $3,640,000 | $165,455 | $5,290 | 5.14% |
| VALLEJO, CA (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $5,442 | 4.30% |
| NAPA, CA (FHA|USDA|VA) | 8 | $3,480,000 | $435,000 | $6,522 | 4.39% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 21 | $3,125,000 | $148,810 | $3,741 | 4.41% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 15 | $3,095,000 | $206,333 | $6,309 | 4.14% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 20 | $3,030,000 | $151,500 | $4,898 | 4.73% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 15 | $2,965,000 | $197,667 | $5,447 | 4.90% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 19 | $2,725,000 | $143,421 | $5,211 | 4.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $2,630,000 | $438,333 | $9,554 | 3.90% |
| AKRON, OH (FHA|USDA|VA) | 16 | $2,620,000 | $163,750 | $6,317 | 4.74% |
| SALEM, OR (FHA|USDA|VA) | 11 | $2,585,000 | $235,000 | $5,405 | 4.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 22 | $2,580,000 | $117,273 | $5,167 | 5.19% |
| Fernley, NV (FHA|USDA|VA) | 12 | $2,550,000 | $212,500 | $3,867 | 4.78% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 21 | $2,495,000 | $118,810 | $5,257 | 4.77% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $2,275,000 | $252,778 | $6,522 | 4.60% |
| Outside of Metro Areas | 10 | $2,100,000 | $210,000 | $6,856 | 5.40% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $6,369 | 3.88% |
| Show Low, AZ (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $5,826 | 4.44% |
| RENO, NV (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $3,863 | 4.60% |
| PROVO-OREM, UT (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $4,210 | 4.98% |
| Newport, OR (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $7,015 | 4.03% |
| LAFAYETTE, LA (FHA|USDA|VA) | 12 | $1,630,000 | $135,833 | $6,978 | 5.06% |
| Ellensburg, WA (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $4,151 | 4.53% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 19 | $1,595,000 | $83,947 | $5,502 | 5.34% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $5,910 | 4.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $8,518 | 4.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $5,377 | 4.03% |
| Moses Lake, WA (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $8,628 | 3.93% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $6,413 | 4.43% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $6,596 | 3.98% |
| ST. CLOUD, MN (FHA|USDA|VA) | 7 | $1,475,000 | $210,714 | $8,769 | 4.41% |
| LONGVIEW, WA (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $5,410 | 4.02% |
| ST. GEORGE, UT (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $5,530 | 3.81% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $6,403 | 4.45% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $7,036 | 3.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $9,591 | 4.24% |
| Opelousas, LA (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $8,459 | 5.36% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $7,642 | 5.25% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $8,689 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 12 | $1,150,000 | $95,833 | $5,148 | 5.46% |
| EL PASO, TX (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $7,126 | 4.94% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $7,126 | 4.21% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,055,000 | $150,714 | $5,195 | 4.54% |
| Centralia, WA (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $6,615 | 3.58% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $6,364 | 4.78% |
| Arcadia, FL (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $6,636 | 4.47% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $7,722 | 3.96% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $7,439 | 4.58% |
| MIDLAND, TX (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $6,638 | 5.41% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $6,010 | 4.31% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,174 | 4.58% |
| Edwards, CO (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $4,588 | 3.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $15,098 | 3.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,406 | 4.21% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $6,207 | 5.46% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $6,646 | 4.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $7,408 | 4.13% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $13,173 | 4.25% |
| Aberdeen, WA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $7,238 | 5.28% |
| Shelton, WA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $3,982 | 4.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $7,284 | 4.78% |
| Madisonville, KY (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,460 | 4.22% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,380 | 6.31% |
| Minden, LA (FHA|USDA|VA) | 6 | $660,000 | $110,000 | $6,268 | 4.83% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $5,999 | 4.08% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,108 | 4.92% |
| Sonora, CA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,117 | 5.13% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,744 | 4.19% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,442 | 4.56% |
| Shelbyville, TN (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $8,169 | 5.17% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $5,538 | 5.90% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,436 | 4.29% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,504 | 5.46% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,724 | 5.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,267 | 4.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $15,579 | 4.00% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $3,306 | 4.34% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,062 | 4.25% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 5 | $505,000 | $101,000 | $5,900 | 5.18% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $6,175 | 4.13% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,472 | 4.06% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,461 | 4.31% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $7,429 | 5.04% |
| Astoria, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,421 | 3.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,509 | 4.06% |
| MANHATTAN, KS (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,872 | 3.92% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,168 | 4.38% |
| North Vernon, IN (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $2,160 | 4.66% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,202 | 4.42% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,639 | 3.50% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,695 | 4.00% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,684 | 4.94% |
| Heber, UT (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,878 | 4.63% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,757 | 3.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $6,154 | 4.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,447 | 4.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,180 | 5.25% |
| Palestine, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,384 | 4.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,358 | 4.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $6,322 | 3.96% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $4,564 | 5.08% |
| Durango, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,766 | 3.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $5,497 | 4.58% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,289 | 4.88% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,135 | 4.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,630 | 4.50% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,073 | 4.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,122 | 4.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,999 | 4.50% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,751 | 4.19% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,009 | 4.13% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,214 | 3.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,109 | 4.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,627 | 4.63% |
| OCALA, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,285 | 4.88% |
| Palatka, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,026 | 4.88% |
| Safford, AZ (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $3,982 | 4.67% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,225 | 4.63% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,666 | 4.31% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,329 | 4.19% |
| FLINT, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,784 | 4.31% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,474 | 5.50% |
| Seymour, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,497 | 4.50% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,102 | 3.81% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,136 | 3.88% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,687 | 4.19% |
| Bemidji, MN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,200 | 4.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,596 | 4.38% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $300 | 5.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,613 | 5.38% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,611 | 4.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,268 | 3.50% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,081 | 4.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,245 | 4.13% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,906 | 4.69% |
| Grand Rapids, MN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,611 | 4.13% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,226 | 4.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $5,243 | 5.25% |
| Alice, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,714 | 4.13% |
| REDDING, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,940 | 4.00% |
| MONROE, LA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,270 | 4.63% |
| Shelby, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,713 | 4.69% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,594 | 4.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,978 | 4.38% |
| Key West, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,013 | 4.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $5,969 | 5.16% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,294 | 5.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,350 | 4.38% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,582 | 4.38% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,287 | 3.88% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,190 | 4.13% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,033 | 3.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 4.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,376 | 5.19% |
| Prineville, OR (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,486 | 2.56% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,142 | 4.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,875 | 3.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,249 | 3.75% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,730 | 4.13% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,805 | 4.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,469 | 5.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,023 | 4.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,197 | 5.13% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,369 | 4.63% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,566 | 5.44% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,979 | 5.30% |
| Andrews, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,262 | 4.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,641 | 3.50% |
| Susanville, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,768 | 3.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,524 | 4.00% |
| Jasper, AL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,821 | 5.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $5,207 | 4.81% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,064 | 5.75% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,772 | 4.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,248 | 4.13% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,372 | 8.38% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,638 | 4.50% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,976 | 4.13% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,684 | 4.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,395 | 5.13% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,833 | 3.25% |
| Granbury, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,957 | 4.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,822 | 5.75% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,960 | 3.75% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,043 | 3.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,874 | 5.25% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,593 | 4.13% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,816 | 5.00% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,036 | 4.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $400 | 3.56% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $5,025 | 5.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,363 | 5.00% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,944 | 4.63% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,789 | 5.00% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,617 | 4.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,903 | 4.88% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,095 | 4.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,025 | 4.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,219 | 5.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,487 | 4.75% |
| Roswell, NM (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,665 | 4.13% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,679 | 4.38% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,999 | 5.13% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,960 | 4.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,933 | 4.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,202 | 3.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,329 | 4.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.53% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,569 | 4.75% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,877 | 4.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,342 | 4.13% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,549 | 4.88% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,947 | 4.00% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $7,197 | 4.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,783 | 5.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,546 | 4.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,813 | 5.13% |
| Macomb, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,778 | 3.88% |
| Corsicana, TX (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $2,565 | 2.69% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $6,297 | 5.00% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,601 | 5.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,230 | 5.50% |
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Product Mix
For 2019, Geneva Financial's most frequently originated type of loan was Conventional, with 2,716 originations. Their 2nd most popular type was FHA, with 1,208 originations.
Loan Reason
For 2019, Geneva Financial's most frequently cited loan purpose was Home Purchase, with 3,593 originations. The 2nd most popular reason was Refi, with 400 originations.
Loan Duration/Length
For 2019, Geneva Financial's most frequently cited loan duration was 30 Year, with 4,133 originations. The 2nd most popular length was 15 Year, with 103 originations.
Origination Fees/Closing Costs
Geneva Financial's average total fees were $6,592, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,678 originations.
Interest Rates
During 2019, Geneva Financial's average interest rate for loans was 4.52%, while their most frequently originated rate bucket for loans was 4-5%, with 2,233 originations.
Loan Sizing
2019 saw Geneva Financial place emphasis on $200k-400k loans with 1,920 originations, totaling $528,180,000 in origination value.
Applicant Income
Geneva Financial lent most frequently to those with incomes in the $50k-75k range, with 1,239 originations. The second most popular income band? $50k or less, with 979 originations.
Applicant Debt to Income Ratio
Geneva Financial lent most frequently to those with DTI ratios of 30-36%, with 651 originations. The next most common DTI ratio? 20-30%, with 611 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.99%
Geneva Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination74.12%
Geneva Financial has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $630,000 | $315,000 |
| 4302.5 | 1 | $75,000 | $75,000 |
| 4330.63 | 1 | $75,000 | $75,000 |
| 4962.5 | 1 | $105,000 | $105,000 |
| 5789.0 | 1 | $235,000 | $235,000 |
| 5935.0 | 1 | $125,000 | $125,000 |
| 9650.0 | 1 | $365,000 | $365,000 |
| NA | 4,347 | $980,945,000 | $225,660 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 13 | $2,495,000 | $191,923 |
| Single Family (1-4 Units):Site-Built | 4,342 | $980,060,000 | $225,716 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Geneva Financial, LLC, Chandler, AZ Branch | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
| Geneva Financial, LLC, Chandler, AZ Branch | Other type of mortgage | Closing on a mortgage | 1 | 50.0% |